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What do you need to know about Social Security disability?


When you hear the term Social Security, many things might rush through your mind. You might think about the retirement benefits provided to those over the age of 65. One might also think about disability benefits and how those living with temporary or permanent disabilities use them for an illness or injury. In order to understand how Social Security could benefit individuals in Florida and elsewhere, it is important to understand the basics of these benefits.

What do you need to know about Social Security disability? In order to receive Social Security disability insurance benefits, an individual must be unable to work. Additionally, he or she must have enough work credits. These are earned by working. Depending on how long a person has been working, he or she might have enough work credits to utilize this SSD benefit.

Work credits earned also determine how much one qualifies for. This means that his or her disability payments are dependent on the number of work credits they have earned in their lifetime. In most cases, this amount is hardly ever above $1,100. The type of disability suffered is also a factor when assessing the amount an applicant might receive. For example, if an individual becomes blind due to an injury or illness, this might qualify him for a high monthly payment.

Whether you were receiving SSDI benefits for a year or several years, once an individual reaches retirement age, disability benefits will become Social Security benefits. This could impact how much a person will receive on a monthly basis.

Although SSDI benefits are very resourceful and could help an individual meet his or her basic living needs, it is often not enough to get by comfortably. Thus, it is important to consider other programs made available by the SSA or how to best progress through the application process successfully. This could help reduce any delays in receiving these often necessary payments.

Source: Time.com, "What You Need to Know About Social Security's Disability Benefits," March 29, 2016

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